Debt Management Benefits

A Debt Management Plan is a long term financial commitment helping you to control your cash flow with one easy payment. For more information about how you can benefit, please call us free on 0808 131 9110.

Debt Advice - Debt Management Benefits:

  • One affordable monthly payment, no matter how many creditors you have.
  • Only one payment to make, which might make it easier for you to budget for any additional outgoings, such as your mortgage.
  • A Debt Management Plan is an informal agreement between you and your creditors, which will help you avoid lengthy legal insolvency procedures.
  • Creditors are often willing to freeze any additional interest and charges on your debt.
  • You will have less stress and financial worry, as you will know that you are dealing with your debt problems.
  • Each Debt Management Plan is tailor made to suit your individual circumstances, so you won't be paying more than you can afford. 


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Entering into an IVA may adversely affect your credit rating for up to six years from the date of approval.

Your property will be protected within an IVA but you may be required to release all or part of any equity during the period of the arrangement.

Failure to complete the term of an IVA can result in bankruptcy.

(In Scotland, a PTD is the equivalent to an IVA.)
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